Groups / employees
Employee Benefits Packages
Community-rated and level-funded medical, plus dental, vision, life, voluntary, and cafeteria plans for employers.
What’s typically on the table
- Community-rated plans****
- Level-funded plans****
- Retirement / tax solutions
- Dental / vision / life / voluntary / supp
- Cafeteria plans
****Some plans may require a minimum number of participants.
Level-funded plans (including Allstate Benefits) give smaller employers a predictable monthly number with a chance of surplus at year-end. Community-rated fully insured plans are the more traditional path.
Bring census data — ages, ZIP, current contributions. Some products require a minimum number of enrolled employees. Voluntary and cafeteria plans can sit beside medical coverage.
Carriers we discuss here
UnitedHealthcare
Health, Medicare & group
Allstate Benefits
Level-funded group health
Cigna
Health, dental, Medicare & group
Aetna
Health, Medicare & group
Florida Blue
Health, Medicare & group
Humana
Medicare, health & group
Champion Health
CHAMP preventive program
Medical Mutual
Health, Medicare & group
United Financial Freedom
Debt reduction & wealth building
PHCS / MultiPlan
PPO network access